16(a)(1), when the consumer initiates an electronic fund transfer or makes a balance inquiry, and by any network used to complete the transaction.

Automated teller machine operator means any person that operates an automated teller machine at which a consumer initiates an electronic fund transfer or a balance inquiry and that does not hold the account to or from which the transfer is made, or about which an inquiry is made.

The second patent titled, "A Method and System for Providing Electronic Commerce Between Incompatible Data Processing Systems" provides for an automated system for the electronic exchange of electronic fund transfers and electronic data interchange type transactions between various business trading partners.

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